Machias Savings Bank CD Rates — October 2026
As of October 22, 2026, Machias Savings Bank's highest tracked CD rate is 4.50% APY on a 36-month CD ($500 minimum). That is 3.2 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.35% to 4.50% APY.
Tracking began .
Machias Savings Bank CD rates
CDs from 3 to 60 months with a $500 minimum, including a 7-month special. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | My MSB Certificate of Deposit | $500 | 2.35% | −1.94% | Top 62% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | My MSB Certificate of Deposit | $500 | 2.60% | −1.80% | Top 75% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | My MSB Certificate of Deposit Promotional | $500 | 3.00% | −1.43% | Verified October 22, 2026 |
| 12 months | My MSB Certificate of Deposit | $500 | 3.50% | −1.07% | Top 57% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | My MSB Certificate of Deposit | $500 | 2.55% | −2.17% | Top 74% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | My MSB Certificate of Deposit | $500 | 4.25% | −0.62% | Top 14% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | My MSB Certificate of Deposit | $500 | 4.50% | −0.45% | Top 5% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | My MSB Certificate of Deposit | $500 | 2.65% | −2.33% | Top 65% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | My MSB Certificate of Deposit | $500 | 2.65% | −2.36% | Top 66% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.00% APY (7 months). The standard rate for a similar term is 2.60% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $40 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Machias Savings Bank's best CD rates by term?
Machias Savings Bank's best rate is 4.50% APY on 36 months, verified October 22, 2026.
- 3 mo2.35%
- 6 mo2.60%
- 7 mo3.00%
- 12 mo3.50%
- 18 mo2.55%
- 24 mo4.25%
- 36 mo4.50%
- 48 mo2.65%
- 60 mo2.65%
How much interest could a Machias Savings Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,411.66 interest · $11,411.66 at maturity on $10,000.00.
4.50% APY · 36 months · My MSB Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $29.042.35% APY · My MSB Certificate of Deposit · Standard | $58.082.35% APY · My MSB Certificate of Deposit · Standard | $145.202.35% APY · My MSB Certificate of Deposit · Standard | $290.402.35% APY · My MSB Certificate of Deposit · Standard |
| 6 months | $64.762.60% APY · My MSB Certificate of Deposit · Standard | $129.522.60% APY · My MSB Certificate of Deposit · Standard | $323.802.60% APY · My MSB Certificate of Deposit · Standard | $647.612.60% APY · My MSB Certificate of Deposit · Standard |
| 7 months | $87.003.00% APY · My MSB Certificate of Deposit · Promotional | $173.993.00% APY · My MSB Certificate of Deposit · Promotional | $434.983.00% APY · My MSB Certificate of Deposit · Promotional | $869.953.00% APY · My MSB Certificate of Deposit · Promotional |
| 12 months | $175.003.50% APY · My MSB Certificate of Deposit · Standard | $350.003.50% APY · My MSB Certificate of Deposit · Standard | $875.003.50% APY · My MSB Certificate of Deposit · Standard | $1,750.003.50% APY · My MSB Certificate of Deposit · Standard |
| 18 months | $192.642.55% APY · My MSB Certificate of Deposit · Standard | $385.292.55% APY · My MSB Certificate of Deposit · Standard | $963.222.55% APY · My MSB Certificate of Deposit · Standard | $1,926.432.55% APY · My MSB Certificate of Deposit · Standard |
| 24 months | $434.034.25% APY · My MSB Certificate of Deposit · Standard | $868.064.25% APY · My MSB Certificate of Deposit · Standard | $2,170.164.25% APY · My MSB Certificate of Deposit · Standard | $4,340.314.25% APY · My MSB Certificate of Deposit · Standard |
| 36 months | $705.834.50% APY · My MSB Certificate of Deposit · Standard | $1,411.664.50% APY · My MSB Certificate of Deposit · Standard | $3,529.154.50% APY · My MSB Certificate of Deposit · Standard | $7,058.314.50% APY · My MSB Certificate of Deposit · Standard |
| 48 months | $551.442.65% APY · My MSB Certificate of Deposit · Standard | $1,102.882.65% APY · My MSB Certificate of Deposit · Standard | $2,757.212.65% APY · My MSB Certificate of Deposit · Standard | $5,514.422.65% APY · My MSB Certificate of Deposit · Standard |
| 60 months | $698.562.65% APY · My MSB Certificate of Deposit · Standard | $1,397.112.65% APY · My MSB Certificate of Deposit · Standard | $3,492.782.65% APY · My MSB Certificate of Deposit · Standard | $6,985.552.65% APY · My MSB Certificate of Deposit · Standard |
How Machias Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1095-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 375 tracked institutions with fresh 1095-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Machias Savings Bank (this institution)My MSB Certificate of Deposit · Standard | 36 months | $500 | Branches in ME, NH | 4.50% | October 22, 2026 |
| Popular DirectCD · Standard | 36 months | $10,000 | Available nationwide | 4.85% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 36 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 36 months | $1,500 | Available nationwide | 4.60% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)36-Month Term Account · Standard | 36 months | $100 | Membership required · branches in NY | 4.90% | October 22, 2026 |
| Treasury (APY-equivalent) | 36 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.95% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Machias Savings Bank on October 22, 2026.
About Machias Savings Bank
- Legal name
- Machias Savings Bank
- Regulator ID
- FDIC 19531
- Headquarters
- Machias, ME
- Available in
- ME, NH
- Total assets
- $2.7 billion
- Also known as
- Website
- www.machiassavings.com
Source: rates read from https://www.machiassavings.bank/consumer-deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Machias Savings Bank?
Among the rates we track, 4.50% APY on a 36-month CD, as of October 22, 2026.
What is the minimum deposit for a Machias Savings Bank CD?
The lowest minimum we found is $500.
How does Machias Savings Bank's best CD rate compare with Treasury yields?
4.50% APY is −0.45% versus the 36-month Treasury yield of 4.95% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Machias Savings Bank CDs insured?
Machias Savings Bank is an FDIC-insured bank (FDIC 19531). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Machias Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Machias Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Machias Savings Bank before opening an account. This page is not financial advice.